| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF ARIZONA LLC | 4544 E CAMP LOWELL DR, SUITE 110 TUCSON, AZ 85712 | BLUE CROSS BLUE SHIELD OF ARIZONA | — | $250 | $250 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY, INC. | 595 STEWART AVE, STE 400 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | — | $342 | $342 | 2.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN OF WA INC DBA DIMART EIN 91-0378940 NONE | Insurance brokerage commissions and fees; Consulting (general); Finders' fees / placement fees; Consulting fees; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Insurance agents and brokers; Insurance services Service code 15 | — | $65K |
| MAGNUSON & ASSOCIATES, LTD EIN 26-2814059 NONE | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $36K |
| VIMLY BENEFIT SOLUTIONS, INC. EIN 91-1603312 NONE | Participant communication; Direct payment from the plan; Copying and duplicating; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Accounting (including auditing); Recordkeeping fees; Other commissions Service code 10 | — | $35K |
| VIGILANT SERVICES, INC. EIN 93-0877675 SUBSIDIARY OF SPONSOR | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Consulting fees; Consulting (general); Insurance agents and brokers; Insurance brokerage commissions and fees; Finders' fees / placement fees; Insurance services Service code 13 | — | $29K |
| ROGERS BENEFIT GROUP, INC. EIN 41-1596522 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $16K |
| VICTORIA STEPHENS, OLD PUEBLO BENEF NONE | Insurance brokerage commissions and fees; Insurance agents and brokers; Direct payment from the plan Service code 22 | 8110 S HOUGHTON RD 158-198 TUCSON, AZ 85747 | $15K |
| KENNETH K. OTT (KENDY BENEFIT PLANS NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | 3041 W KELLER DRIVE ANTHEM, AZ 85086 | $14K |
| ASSUREDPARTNERS OF ARIZONA DBA HEST EIN 45-2712335 NONE | Direct payment from the plan; Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $11K |
| THE CLEAR GROUP, LLC EIN 81-3105542 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $10K |
| SCHOEDEL & SCHOEDEL, CPAS PLLC EIN 91-0614823 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $8K |
| M & O AGENCIES, INC. DBA THE MAHONE EIN 86-6050329 NONE | Insurance brokerage commissions and fees; Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $7K |
| EMPLOYEE BENEFIT EXCHANGE, CORP. EIN 20-0270427 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees; Direct payment from the plan Service code 22 | — | $7K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 378 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 378 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ARIZONA | 644 | $2.0M |
| Dental | BLUE CROSS BLUE SHIELD OF ARIZONA | 644 | $2.0M |
| Vision | VISION SERVICE PLAN | 107 | $6K |
| Life insurance | STANDARD INSURANCE COMPANY | 283 | $13K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ARIZONA | 644 | $2.0M |
| Other | STANDARD INSURANCE COMPANY | 283 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 644 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.